Senior AML Financial Crime Risk Investigator (Enhanced Due Diligence, High Risk Customer Program, Quality Reviewer) (3567)

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Hours:

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Pay Details:

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidates skills and experience job-related knowledge geographic location and other specific business and organizational needs.

As a candidate you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description:

The High Risk Customer Program consists of dedicated and specialized teams with AML subject matter experts with accountabilities to conduct the enhance due diligence of high risk customers. Within the High Risk Customer Program resides a team that focuses on conducting enhanced due diligence on high risk customers and other specialized types of high risk customers.

The AML Financial Crime Risk Senior Investigator (Enhanced Due Diligence High Risk Customer Program) (Quality Reviewer also refer to as Second Level Reviewers) reports to the Group Manager AML Financial Crime Investigations (EDD High Risk Customer Program).

The AML Financial Crime Risk Senior Investigator (EDD High Risk Customer Program Quality Reviewer) is responsible for:

• Conducting quality control reviews of the end to end EDD reviews/AML investigations specifically relating to high risk customers and other referrals submitted to the High Risk Customer Program. Includes authority in applying reasonable grounds to suspect money laundering terrorist financing and other financial crimes.
• As such the AML Financial Crime Risk Senior Investigator (EDD High Risk Customer Program Quality Reviewer) conduct the quality control reviews of all completed filed that were subjected to EDD as well as any other investigations conducted by the High Risk Customer Program.
• Provide support to the Group Manager AML Financial Crime Investigations (EDD High Risk Customer Program) providing feedback/coaching where needed.
• The AML Financial Crime Risk Senior Investigator (EDD High Risk Customer Program) conducts end to end EDD reviews/AML Investigations and second level reviews of enhanced due diligence reviews and assists with the oversight of the High Risk Customer Program in Canada while partnering with internal and external stakeholders including vendor engagements advisory teams working with other people managers and investigators to ensure the controls are designed and operating effectively to mitigate the risk and compliance with regulatory requirements as well as the Banks systems of internal controls.
• The AML Financial Crime Risk Senior Investigator (EDD High Risk Customer Program) assists with the oversight of the High Risk Customer Program while partnering with internal and external stakeholders including advisory team working with other group managers and investigators to ensure the controls are designed and operating effectively to mitigate the risk and compliance with regulatory requirements as well as the Banks systems of internal controls.

CUSTOMER

• Conduct quality reviews of enhanced due diligence and investigations completed by AML Financial Crime Risk Investigators including initial and periodic enhanced due diligence reviews of high risk customers as well as transactions that resulted in no Suspicious Transaction Reports (STRs) demarkets removal of high risk customers (if required) and other enhance due diligence processes.
• Conduct a quality reviews of complex EDD reviews/investigations including AML Sanctions/ ABAC and Financial Crime
• Ensure the regulatory reporting is conducted in a timely manner and/or without delay while adhering to regulatory requirements and internal controls.
• Apply sound methodologies to collect preserve and analyze evidence while staying current on global emerging risks and technology threats.
• Assess and prioritize files and investigate assigned cases ensuring proper protocols are in place and effectively applied.
• Conduct EDD reviews/investigations in a professional and timely manner.
• Identify and communicate procedural weaknesses to businesses.
• Identify industry and typologies risk and trends for respective program areas and share knowledge with appropriate stakeholders.
• Maintain and establish working relationships with internal and external partners (e.g. vendor engagements advisory teams working with other people managers and investigators and etc.) for investigative purposes.
• Investigative analysis by collecting assessing and collating case file information for AML Sanctions/ABAC & Financial Crime investigations.

SHAREHOLDER

• Develop and maintain effective relationship with key stakeholders including vendor engagements advisory teams working with other people managers and investigators and etc.
• Patriciate in forums working groups and other established task force while representing High Risk Investigations to ensure information is shared among various stakeholders in a timely concise and accurate manner.
• Lead work streams by acting as a project lead for large or complex projects / initiatives in accordance with project management methodologies.
• Consistently exercise discretion in managing correspondence information and all matters of confidentiality; escalate issues where appropriate.
• Evaluate the effectiveness of processes/services and recommend/champion possible enhancements.
• Recommend improvements to escalation processes within the investigative unit and a feedback mechanism to relevant stakeholders.
• Plan and deliver efficient and cost-effective processes that support and promote the implementation of programs.
• Conduct internal and external research projects; support the development/ delivery of presentations / communications to management or broader audience.
• Monitor service productivity and assess efficiency levels within own function and implement continuous process/performance improvements where opportunities exist.
• Consistently exercise discretion in managing correspondence information and all matters of confidentiality; escalate issues where appropriate.
• Protect the interests of the organization identify and manage risks and ensure the prompt and thorough resolution of escalated non-standard high-risk issues.
• Run analysis at the functional or enterprise level using results to draw conclusions make recommendations assess the effectiveness of programs/ policies/ practices.
• Keep abreast of emerging issues trends and evolving regulatory requirements and assess potential impacts.
• Maintain a culture of risk management and control supported by effective processes in alignment with risk appetite.

EMPLOYEE / TEAM

• Participate fully as a member of the team support a positive work environment that promotes service to the business quality innovation and teamwork and ensure timely communication of issues/ points of interest
• Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
• Keep current on emerging trends/ developments and grow knowledge of the business related tools and techniques
• Participate in personal performance management and development activities including cross training within own team
• Keep others informed and up to date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
• Contribute to team development by willingly assisting others in the completion and performance of work activities; provide training coaching and/or guidance as appropriate.
• Lead motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.
• Contribute to a fair positive and equitable environment that supports a diverse workforce.
• Act as a brand champion for your business area/function and the bank both internally and/or externally

BREADTH & DEPTH:

• Conducts EDD reviews/investigations on high risk customers that are complex in nature including large projects
• Sound knowledge of Bank products systems policies and procedures.
• Strong knowledge of criminal investigative techniques related laws governing collection of evidence court proceedings and financial/ crime trends.
• Manages programs/ projects/ initiatives of varying complexities.
• Expert level professional role requiring in-depth knowledge/ expertise within respective area and working knowledge of broader related areas.
• Understands the industry competition and the factors that differentiate the organization.
• Interprets guidelines standards policies and results of analysis to inform decision making at senior levels.
• Leads projects or work streams within broader projects with moderate risk and may be accountable for ongoing activities processes and functional programs.
• Builds stakeholder alignment in leading projects and activities.
• Works independently as the senior technical lead and guides others within area of expertise.
• Identifies and leads problem resolution for complex issues at all levels.
• Generally reports to a Group Manager/ Senior Manager.

EXPERIENCE AND / OR EDUCATION

• Undergraduate degree or relevant professional certifications designations or equivalent required
• 5 years relevant experience
• Strong knowledge of Canadian AML legislation requirements and guidance including by not limiting to Financial Transactions Report Analysis Centre of Canada (FINTRAC) Officer of the Superintendent of Financial Institutions (OSFI) Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and the Criminal Code of Canada
• Strong knowledge and experience with investigating complex and sensitive ML/TF and sanctions investigations
• Strong knowledge and experience with KYC requirements EDD and High Risk Customer Program.
• Strong knowledge of quality control testing and audit.
• Strong knowledge and experience with investigating complex and sensitive ML/TF and sanctions cases relating to insider risk including reasonable ground to suspect (RGS).
• Strong knowledge and experience interacting with law enforcement corporate security and other investigative groups.
• Strong knowledge of investigative techniques and tools including data analytics link analysis forensic analysis among others.
• Excellent oral and written communication skills
• Coaching and counseling skills
• Ability to delegate work to others work well independently and ability to collaborate and build positive relationships.
• Strong decision-making critical thinking follow-through ability analytical skills.
• Ability to respond to shifting priorities quickly and managing competing priorities.
• Proficiency in using computer applications including MS Office
• Ability to exercise sound judgement in making decisions.

Who We Are:

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial physical and mental well-being goals. Total Rewards at TD includes a base salary variable compensation and several other key plans such as health and well-being benefits savings and retirement programs paid time off banking benefits and discounts career development and reward and recognition programs. Learn more

Additional Information:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations requirements.

Colleague Development
If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll have regular career development and performance conversations with your manager as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience or you want to coach and inspire your colleagues there are many different career paths within our organization at TD and were committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process
Well reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if youd like accommodations (including accessible meeting rooms captioning for virtual interviews etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):